VP, Relationship Manager, Commercial Banking - California

BANC OF CALIFORNIA AND YOUR CAREER

Banc of California, Inc. (NYSE: BANC) is a bank holding company with over $34 billion in assets and the parent company of Banc of California. Banc of California is one of the nation’s premier relationship‑based business banks, providing banking and treasury management services to small, middle‑market, and venture‑backed businesses. As the largest independent bank headquartered in California, the bank offers a broad range of loan and deposit products and services through a network of full‑service branches and regional offices, as well as through digital and nationwide capabilities.

The bank also provides full‑service payment processing solutions to its clients and serves the Community Association Management industry nationwide through its technology‑forward platform, Smart Street™. Banc of California is committed to supporting its local communities through the Banc of California Charitable Foundation and by partnering with organizations that promote financial literacy, job training, small‑business support, affordable housing, and more.

This position is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; performing analysis, due diligence, and underwriting of proposed commercial real estate loan requests. Review initial borrower submissions, perform analysis of information submitted, and prepare a written credit presentation of the loan request. Guide the credit request through review by the division manager and senior credit review officers.

Assist loan administration through the closing process. Perform all duties in accordance with the company’s policies and procedures, all U.S. state and federal laws and regulations.

• Establishing new relationships and fostering existing relationships.
• Analyze commercial lending opportunities, including working capital lines of credit and term loans to business, plus owner‑occupied real estate loans.
• Combine this analysis with a detailed analysis of a borrower(s) and guarantor(s) balance sheets and cash flow to determine the bank’s interest in providing a credit facility for the designated purpose.
• Gather any additional information required to make an initial decision on the credit requested, or to prepare a credit display once the decision to proceed is made.
• Prepare investment analysis and credit package for review by department manager and credit administrators.
• On an ongoing basis, continue the analysis detailed above to maintain a working knowledge of the ability and desire of the borrower(s) and guarantor(s) to maintain the loan and the collateral in a manner which will increase or maintain the value of the collateral, and achieve payment in full of the loan provided.
• Manage financial ticklers.
• Work with loan administrators and legal counsel to provide information as necessary to process and close credit facilities.
• Stay abreast of market trends and develop/maintain a network of referral sources.
• Involved with interviewing and hiring decisions.
• Prepare and deliver employee performance evaluations, goal planning, and counseling.
• Manage, support, coach and train employees.
• Follow all established policies and procedures.
• Perform other duties and projects as assigned.

• Minimum of 6‑8 years of experience in commercial lending, including valuation and asset management, and financial analysis.
• B.A. Degree in finance or related field and/or related work experience.
• Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws such as Regulation Z, Regulation B, Fair Housing Act, HMDA, RESPA, FCRA, BSA, USA PATRIOT Act, AML, CIP, RFPA, and CRA.
• A general knowledge of appropriate loan documentation, collateral analysis and financial statements.
• PC proficiency with emphasis on spreadsheets (Word, Excel, Argus).
• Familiarity with Moody’s analysis systems.
• Excellent composing and writing skills.
• Familiarity with nCino system.
• Above‑average interpersonal skills; ability to communicate verbally with a wide range of people.
• Positive attitude and willingness to work.
• Respons…